Masary

Masary: An Overview For Merchants In Egypt
If you sell to customers in Egypt and need to accept cash-based bill payments, mobile top-ups, or collect installments across a large retail network, Masary is worth evaluating. Masary operates a nationwide e-payment network and positions itself as a payment facilitator and aggregator focused on improving access for unbanked and underbanked consumers. You can access Masary’s services through an Android app, dedicated POS devices, and a web portal.
What Is Masary
Masary is an Egyptian e-payment provider established in 2009. The company states that it operates a large footprint of payment points across Egypt and provides real-time connection to multiple billers and service providers. Masary’s stated mission is to consolidate diverse payment needs in one place for consumers and to enable merchants and billers to collect funds efficiently. You can access the platform via web services, mobile applications, and dedicated payment terminals.
Who Masary Is Best For
Consider Masary if your business model relies on any of the following:
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You need broad cash collection coverage in Egypt through a retailer network, rather than only online card acquiring.
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Your customers regularly pay for utilities, telecom, government fees, or similar services and you want to aggregate these collections.
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You accept or distribute e-vouchers and airtime top-ups and want one provider to handle multiple brands.
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You want multiple interfaces to operate collections, including POS terminals for in-store agents and a mobile app for staff.
Masary is most relevant for utilities, telecom resellers, educational institutions, charitable organizations, insurance premium collectors, and any business that needs nationwide walk-in payments coverage in addition to digital channels.
Payment Channels And Interfaces
Masary exposes four user interfaces that you can mix and match depending on operational needs:
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Android Mobile – an Android client for all Masary services.
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Mobiwire POS – Android-based terminal supporting Masary services.
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PAX POS – Android-based terminal supporting Masary services.
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Web Portal – a browser interface to operate services and manage transactions.
This multi-interface approach lets you deploy Masary in agent locations, cashier stations, or back offices without building your own front end. Masary also notes it can integrate with external systems through web services, which is useful if you want to connect your ERP or billing platform. You should request technical documentation, authentication details, and API rate limits during discovery.
Core Services You Can Offer Customers
Masary aggregates a wide set of consumer services and billers. Typical categories include:
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Telecom Services – top-ups and payments for Egypt’s mobile operators (Vodafone, Etisalat, Orange, WE) plus ISPs and ADSL providers.
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Government Services – for example, Egyptian tax payments.
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Insurance Payments – such as GIG (Arab Misr Insurance Group).
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Donations – including Egyptian Food Bank, Maaan Team, and Bait Zakat.
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Electronic Shopping And Entertainment – e-vouchers such as OneCard and CashU.
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Public Utilities – electricity and other e-Finance linked services.
Masary also highlights categories like education fees, transportation tickets, and entertainment purchases within its app feature set. If you operate in any of these sectors, a single integration could reduce the number of direct connections you maintain with individual billers.
Network Reach And Availability
Masary describes a very large network of payment points across Egypt and more than 120 services available in one place. For merchants, this matters in two ways:
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Walk-in Collections – you can direct customers to pay at nearby agent locations equipped with Masary POS terminals.
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Operational Redundancy – broad coverage allows customers to find alternate outlets if a specific store or region is unavailable.
When negotiating, ask Masary for an up-to-date outlet density map by governorate, typical opening hours by channel, and any recent expansion or consolidation that may affect your reach.
Integration And Technical Considerations
Masary indicates it can integrate with external platforms and payment networks through web services. During technical due diligence, you should request and review:
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API or web-services documentation, including endpoints, request/response schemas, and error handling.
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Authentication and key management processes.
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SLAs for uptime and incident response.
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Webhooks or callback mechanisms for asynchronous status updates.
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Sandbox access and sample test cases.
If you plan to run agent-assisted payments at scale, also confirm remote terminal management options for PAX and Mobiwire devices, receipt templates, and device security settings.
Settlement, Reporting, And Reconciliation
For efficient finance operations, verify the following before you sign:
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Settlement currency and supported bank accounts in Egypt.
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Batch cut-off times and settlement cycles per biller.
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File formats for reconciliation exports, including unique transaction identifiers, customer references, and biller codes.
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Dispute and refund processes where applicable, including supporting evidence and time frames.
If you operate multiple sites or agents, ask for merchant hierarchy configuration and per-location reporting to simplify roll-ups.
Support, Service Levels, And Contacts
Masary lists a customer service hotline and email contact. As part of your evaluation, request:
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Support hours and languages.
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Ticketing process and priority definitions.
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Named account manager for enterprise accounts.
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Escalation matrix for outages affecting multiple agents or regions.
Document how you will communicate service disruptions to your own customers, especially for time-sensitive government or utility payments.
Advantages To Weigh
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Aggregation Across Many Billers – one provider to access multiple categories, reducing vendor sprawl.
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Multi-Interface Operations – Android, POS, and web portal options offer deployment flexibility.
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Nationwide Coverage – a large number of payment points can improve collections for cash-reliant segments.
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Real-Time Processing – immediate confirmations reduce customer support friction.
Masary: Frequently Asked Questions (FAQs)
What is Masary and what services does it provide?
Masary is an Egyptian e payment provider that aggregates bill payments, telecom top ups, donations, insurance premiums, utilities and other services, accessible through an Android app, POS terminals and a web portal.
Who should consider using Masary?
You should consider Masary if you collect cash based payments in Egypt, need nationwide walk in coverage, or want a single provider to aggregate utilities, telecom, education fees, donations and similar recurring payments.
Which payment channels and interfaces can I use with Masary?
You can operate Masary via an Android mobile app, PAX POS, Mobiwire POS and a web portal, which lets you deploy agent counters, cashier stations or back office operations without building your own front end.
Does Masary publish pricing and fees for merchants?
Masary does not publish public tariff tables for merchants on its website, and fees typically vary by service category, so you should request a detailed fee schedule and example invoices during commercial discussions.
How does settlement and reconciliation work with Masary?
Masary provides reporting in its portal and settles funds based on biller arrangements, so you should confirm settlement currency, payout frequency, cut off times and export file formats before you go live.
Can I integrate Masary with my own systems?
Masary indicates integration via web services is available, so you should request API documentation, authentication details, SLAs, sandbox access and webhook options to connect your ERP or billing platform.
Does Masary support nationwide cash collections in Egypt?
Masary states it operates a large network of payment points across Egypt, enabling walk in collections through agent locations equipped with Masary POS terminals.
What security and compliance documentation should I request from Masary?
You should request current PCI DSS attestation if card data is handled, details on device and application security, data protection controls and incident response procedures.
Does Masary support e commerce card payments and online checkout?
Masary mentions an e commerce service and an online payment gateway but does not list plugins or SDKs on the website, so you should verify online checkout capabilities and supported methods during discovery.
How do I contact Masary for sales or support?
You can reach Masary through the contact options listed on its website, and you should ask for support hours, escalation paths and a named account manager when evaluating the service.